Annual Mortgage Planning Review, Mortgage Review

A Mortgage Plan is only effective when a proper management strategy is developed and maintained. Our Mortgage Management System is designed to provide proactive and reactive solutions to your Mortgage Planning Needs.

Our Annual Mortgage Review will provide the necessary analysis to make sure your mortgage is properly structured given your current financial and lifestyle.

If you are not yet a client but currently have a mortgage, please be sure to complete our Refinance Analysis Worksheet.

Please see our Rate Watch service as well.

One of the services we offer our clients is called the Annual Mortgage Planning Review. Your physician calls it a "Wellness Exam", your dentist calls it a "Checkup", your retirement fund's yearly publication calls it a "Prospectus", your mechanic calls it "Winterizing", etc., etc. Of course, this review is complementary.

"So, what is it?" The Annual Mortgage Planning Review is a one-hour meeting in which we discuss your income, credit report, debts, and assets as they stand now in comparison to 12 months ago.

"Why do I need it?" Think about the largest debt account and largest asset account you are most likely to have...your mortgage and your retirement. Even though one is a debt and the other is an asset, your mortgage can actually be used as a tool to help accomplish your long term and short-term financial goals.

What you may not have thought of is that your income, credit, debts, and assets are all vital components of the success of both your mortgage financing and your retirement. Because of this, they need to be reviewed and evaluated once a year at a minimum.

Since implementing this service we've found it necessary to transition from the role of a typical Loan Officer to a more proactive roll as a Mortgage Planner.

As such, we are helping people like you discover opportunities they didn't know they had or ever thought possible. We recently met with a couple and showed them how to increase their retirement assets by $650,000 in 10 years. Your situation may be more or less dramatic than that, but needless to say, those clients were glad we reconnected!

We consistently stress the importance of regularly assessing your current financial situation. Are your financial habits today moving you in the right direction to achieving your financial goals, as well as staying on track with your long-term financial plan?

PLEASE FILL OUT THE ANNUAL MORTGAGE PLANNING REVIEW FORM BELLOW

CONTACT INFORMATION
Name
Address
City
State
Zip Code
Email
Phone
EXISTING MORTGAGE(S) INFORMATION
FIRST Mortgage Balance
What Type of Loan? (15-Year/30-Year/Adjustable etc..)
When Was The Last Time You Refinanced?
Interest Rate FIRST Mortgage
Financial Institution Name
SECOND Mortgage Balance
What Type of Loan? (15-Year/30-Year/Adjustable etc..)
When Was The Last Time You Refinanced?
Interest Rate SECOND Mortgage
Financial Institution Name
REAL ESTATE PLANNING
How Long Have You Been in Your Home?
How Long Do You Plan To Stay in Your Home?
Do you foresee incurring other financial obligations within the next 5 years, such as purchasing 2nd Home, Investment Property, New Car, College Financing etc.?
Which Financial Goals are most important to you? Building your net worth, Moving to a larger home, Having your mortgage paid off when you retire, Achieving Financial Freedom
What Are The Most Important Features You Need to Know About Your Mortgage?
Do Your Currently Work With a Real Estate Advisor You Really Like?	NO YES
Are You Regularly in Touch With The Real Estate agent you worked with when you initially purchased your existing home?	NO YES
On a scale of 1-10 (10 being the best) please rate the ongoing service level this Real Estate agent has provided to you:
Are You Regularly in Touch With The Loan Originator you worked with when you initially purchased/refinanced your existing home?	NO YES
On a scale of 1-10 (10 being the best) please rate the ongoing service level this Loan Originator has provided to you:
What do you estimate to be your current home's Fair Market Value?
MORTGAGE MANAGEMENT PROGRAM
We will continue to track your interest rate compared to the market to look for limited cost and no closing cost refinance opportunities for you.
Are you aware of our exclusive new AUTO LOCK service?:	NO YES
FINANCIAL PLANNING
Do you have a CPA or Accountant, or tax preparation expert you use?	NO YES
On a scale of 1-10 (10 being the best) please rate the ongoing service level this CPA provides to you:
Do you have a Financial Planner/Advisor or Investment Counselor you use?	NO YES
On a scale of 1-10 (10 being the best) please rate the level of service this Financial Planner provides you:
Name & Company
Do you have an Estate Attorney you use for the purposes of your will and/or estate planning?	NO YES
Name & Company
Do You Have Credit Card Debts? If so How Much?
Do You Have any Personal Loan (Student etc)? If so How Much?
Do You Have a Car Loan? If so How Much?
Do you have a sufficient amount of money stashed away in case of emergencies or unforeseen financial setbacks? (A good rule of thumb is anywhere from 3 to 12 months of living expenses, depending on the stability of your income and employment)	NO YES
Do You Have a Retirement Account? (IRA/ROTH IRA/401K etc)	NO YES
If so, How Much do You Have in Your Retirement Account?
Do You Have Investment Accounts Outside Your Retirement Account?	NO YES
Are Your Investment Accounts Diversified?	NO YES
Do You Consider Yourself Knowledgeable When Investing?	NO YES
Do You Save Enough Money To Retire Comfortably?	NO YES
If so How Much Do You Put Away Every Month?
In How Many Years do You Plan to Retire?
When do You Want to be Debt Free?
Is there anything else we can discus to help your overall financial planning strategy?

We will review your information and contact you shortly.

Thanks again!

Work With The Best!

"One of the keys to successful real estate investing has always been to purchase undervalued and distressed properties, as opposed to buying when it is overpriced."

This site was last updated 10/30/09